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Analysis of Understanding of Ta’awun Principles and Its Influence on the Interest of Online Ojek Drivers to Become Sharia Insurance Participants Fachrina, Rifka; Marliyah, Marliyah; Syahriza, Rahmi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3861

Abstract

Online transportation companies have provided insurance facilities for the profession of online motorcycle taxi drivers, but there are still many online motorcycle taxi drivers who do not have self-protection in the form of insurance, even though drivers have a level of work risk that has the potential to endanger their health and safety. The purpose of this research is to find out the online motorcycle taxi drivers' understanding of the ta’awun principle and the online motorcycle taxi drivers’ interest in sharia insurance. This study uses qualitative methods with data collection techniques through interviews. Data processing was carried out using the Miles & Huberman analysis technique which consisted of three stages, namely data reduction, data presentation, and conclusions. Based on data analysis it was concluded that as many as 29% of informants understood the ta’awun principle in sharia insurance. 43% of informants are interested in becoming participants in sharia insurance 67% of them understand the principle of ta’awun while 33% of other people do not understand the principle of ta’awun, 34% of informants are not interested in participating in conventional insurance or sharia insurance as much as 62% of informants admit to knowing the principle of ta’awun awun while 38% of people said they did not understand the principle of ta’awun. 23%, namely 25% of people understand the principle of ta’awun, while 75% of other people do not understand the principle of ta’awun, this percentage explains that the informant is still in doubt about taking Islamic insurance.
Analysis of Sharia Compliance Implementation in Assessing the Performance of Agent of PT Asuransi Jiwa Syariah Bumiputera Nasution, Nurdin; Marliyah, Marliyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3884

Abstract

Sharia compliance is one of the elements in the assessment of the soundness level of Sharia Insurance. Maintenance of the health level of insurance will be directly proportional to the maintenance of public trust so if insurance is negligent in maintaining its health level because it does not apply Sharia principles, public trust in insurance will be lost. This study aims to analyze the implementation of Sharia Compliance in assessing the performance of PT Asuransi Jiwa Syariah Bumiputera Agents. The performance of Sharia Insurance Agents certainly needs to be assessed whether it is in accordance with Sharia compliance. The method used in this research is descriptive qualitative. The results of this study indicate that the Insurance Agent of PT Asuransi Jiwa Syariah Bumiputera has carried out marketing in accordance with Sharia compliance, only that the company’s operational system is still under the auspices of its parent, so it cannot be ascertained that it will be free from elements of ribawi.
The Comparison of Financial Performance of Sharia Banks Registered in the Jakarta Islamic Index (JII) Using Fundamental Analysis Arianja, Haidir; Marliyah, Marliyah; Arif, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3924

Abstract

The purpose of this study was to determine the differences in financial performance among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah by using fundamental analysis of Earnings Per Share (EPS), Price to Earning Ratio (PER), Return on Equity (ROE), and Debt to Equity Ratio (DER). The research approach is quantitative. Data analysis techniques Normality Test, Homogeneity of Variance Test, Analysis of Variance Test (ANOVA), and Post Hoc Test. The results showed that the calculated F value of earnings per share was 2.437 while the f table value was 2.87, this means that f count f count (7.128) > f table (2.87) so it can be concluded that H0 is accepted which means there is no difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of the Price to Earning Ratio is 8,935 while the f table value is 2.87, this means that f count (34,720) > f table (2.87) so it can be concluded that H0 is rejected, which means that there is a difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of Return on Equity is 3.150 while the value of f table is 2.87, this means that f count (3.150) > f table (2.87) so it can be concluded that H0 is rejected which means that there is a difference in Return on Equity among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The F calculated Debt to Equity Ratio value is 3,330 while the f table value is 2.87, this means that f count (14,602) > f table (2.87) so it can be concluded that H0 is rejected which means there is a difference in Debt-to-Equity Ratio among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah and Bank Bukopin Syariah.
Analysis Of The Marketing Strategy of Hajj Financing Products (Prohajj) at PT. Bank Muamalat Indonesia KCU Medan City Hall Nst, M. Ziqhri Anhar; Marliyah, Marliyah; Nurlaili, Nurlaili
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3945

Abstract

The purpose of this study was to analyze the marketing strategy for Hajj financing products (prohajj) at PT. Bank Muamalat Indonesia KCU Medan City Hall. This research uses a descriptive qualitative research type. The result of this research is the marketing strategy of PT. Bank Muamalat Indonesia KC Medan Balaikota is quite good, as seen from the product strategy, price strategy, promotion strategy, location strategy, human resources, physical facilities, and processes that have been implemented properly. The existence of internal and external factors in the SWOT analysis has been considered to provide the best service to the community in Hajj financing (Prohajj). Therefore, the marketing strategy for Hajj financing products (prohajj) at PT. Bank Muamalat Indonesia KCU Medan Balaikota has been implemented and provides convenience in service to the community.
Halal Food Industry Development Strategy in Increasing Medan Community Consumption Activities Kurnia, Ahmad; Marliyah, Marliyah; Nasution, Juliana; Batubara, Maryam
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3967

Abstract

This study aims to find out how the main priority strategy for the development of the Halal Food Industry is to increase the consumption activities of the people of Medan City by presenting the internal and external conditions that have been carried out so far. Then in addition, the researcher also explained several handling urgency that needed to be implemented so that the development of the Halal Food Industry could be more focused. The method used is a qualitative method using SWOT analysis and QSPM. The number of respondents who filled out the questionnaire was 5 respondents from SMEs in Medan City and 5 respondents from experts. Based on the results of the SWOT analysis, the strategy quadrants obtained after being processed in the IFE and EFE matrices are in Quadrant I. This indicates that the strategy used is a progressive strategy. This strategy means that the Halal Food industry has strengths and opportunities. Furthermore, in the QSPM analysis, the results show that the main priority strategy that must be carried out is Utilizing Halal Product Companion Training so that the Halal Industry has the opportunity to enter the Global Market.
Analysis of Strategies for Establishing Sharia Banks in Minority Areas (Case Study of Dairi District) Rosalina Simbolon, Linda; Marliyah, Marliyah; Ahmadi Bi Rahmani, Nur
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4713

Abstract

This research aims to find out what strategies are currently being implemented to establish sharia banks in minority areas of Dairi Regency and most importantly to determine the main priority strategies in establishing sharia banks in Dairi Regency. The methods used are SWOT analysis and QSPM. The number of respondents each was 8 people for the SWOT analysis and 5 people for QSPM. Respondents were appointed based on their understanding and mandate or position in the Regional Government or Dairi Regency community, both from academics and practitioners. For the SWOT analysis research results, the strategy quadrant after processing the IFAS and EFAS matrix values ​​is a defensive strategy. This strategy means that it is necessary to minimize weaknesses and avoid threats in the process of establishing a Sharia bank. The weakness is the lack of government support, government alignment is one of the main keys. The threat to Sharia financial institutions is still not well established in the eyes of the public, even though public expectations for LKS are very high. In this way, the main research results can be obtained, namely the main priority strategy that must be carried out is the establishment of a Sharia bank in the minority area of ​​Dairi Regency requires socialization by Islamic Religious Counselors who coordinate and collaborate with the Head of the Dairi Regency Ministry of Religion Office, so that Hajj funds and salaries go through sharia banks and put more emphasis on Religious Instructors, Heads of District KUA, Penghulu efforts to be able to deliver material regarding sharia banking literacy during Friday sermons and also the taklim assembly safari activities which are held every month. Bearing in mind that the instructors also have an Islamic economics material module to be the target material that will be delivered to the congregation assisted by each instructor in each sub-district in Dairi Regency. Like KKN students majoring in Islamic Economics, especially Sharia banking study programs, they can be empowered to convey Sharia banking literacy in Islamic minority areas in collaboration with Islamic organizations in Dairi Regency.
PENGARUH TINGKAT PERTUMBUHAN PERUSAHAAN, TINGKAT PENJUALAN DAN STRUKTUR ASSET TERHADAP RASIO SOLVABILITAS (STUDI KASUS PADA PT. BANK TABUNGAN PENSIUNAN NASIONAL SYARIAH) Khairunnisa, Ira Amalia; Marliyah, Marliyah; Anggraini, Tuti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10545

Abstract

This study aims to analyze the effect of the company's growth rate, sales level and asset structure on the solvency ratio at PT. Sharia National Pension Savings Bank for the 2018-2022 period. The sample used is monthly report data for the 2018-2022 period. This study uses a quantitative method with multiple linear regression analysis. Based on the results of the study, it shows that the company's growth rate (X1) has a significant and negative effect on the solvency ratio at Bank BTPN Syariah. The level of sales (X2) has a significant and positive effect on the solvency ratio at Bank BTPN Syariah. Asset structure (X3) has no significant and negative effect on solvency. Keywords: solvency ratio, asset structure, company growth rate, sales level.
PERAN PENGEMBANGAN EKONOMI KREATIF IKAN SALAI DALAM UPAYA PENCIPTAAN LAPANGAN KERJA DAN PENINGKATAN KESEJAHTERAAN MASYARAKAT Harahap, Arman Syafii; Marliyah, Marliyah; Dharma, Budi
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11013

Abstract

The creative economy is an economic movement managed by local communities where the main processed products of the creative economy come from natural resources, for example in the culinary world which provides its own challenges for Padang Lawas Regency, namely how to promote and develop smoked fish culinary amidst the rise of modern culinary, in efforts to create new jobs and achieve community welfare. The aim of this research is to analyze and determine the role of the creative economy in Huristak District, Barumun Tengah District, Aek Nabara Barumun District, especially in the local smoked fish culinary sector, Padang Lawas Regency, North Sumatra. This type of research is qualitative research which is analyzed using descriptive methods. The data collection technique used in the research was collected from data from the 2021 Central Statistics Agency (BPS) of Padang Lawas Regency and collected from observation data, in-depth interviews, literature studies and documentation, then a data analysis technique developed by Miles, Huberman and Saldana was carried out using four flow of activities in data analysis, namely, data collection, data condensation, data presentation, and drawing conclusions. The research results found that the creative economic role of smoked fish in Padang Lawas Regency can improve the economic welfare of the community and efforts to create jobs.
PEMANFAATAN LINGKUNGAN SEBAGAI SUMBER BELAJAR FIQIH DI MADRASAH IBTIDAIYAH SE-KECAMATAN CIPUTAT Marliyah, Marliyah
FIKRAH Vol 6 No 2 (2022): DESEMBER
Publisher : Ibn Khaldun University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/fikrah.v6i2.20577

Abstract

Penelitian ini berawal dari keresahan peneliti melihat kondisi Madrasah di wilayah Tangerang Selatan yang sebagian besar dengan kondisi sarana dan prasarana yang sangat terbatas karena kekurangan lahan dan posisinya yang sangat sulit untuk berkembang. Namun demikian madrasah menjadi lembaga yang tetap diminiati oleh warga tangerang selatan. Dengan keterbatasan sarana dan prasarana yang ada hendaknya madrasah mengadakan perbaikan pada aspek kompetensi pembelajaran. Materi fiqih adalah pelajaran yang dapat menjadi ikon keberahasilan pendidikan di Madrasah, karena mengajarkan pengetahuan dasar tentang ibadah dan tata caranya. Dan usia anak-anak yang masih mampu diberi dan menerima iinformasi dengan baik. Oleh karena itu dalam membelajarkan fiqih perlu direncanakan dengan sebaik-baiknya dan mampu memilih sumber belajar yang sesuai. Di antara sumber belajar yang dapat digunakan yaitu lingkungan, meliputi lingkungan alam , lingkungan sosial dan lingkungan buatan. Penelitian ini bertujuan untuk menemukan seberapa luas pemanfaaatan lingkungan sebagai sumber belajar fikih digunakan oleh guru-guru madrasah dengan pendekatan kualitatif dengan metode deskritif analisis dan sumber data madrasah sebanyak 7 madrasah dengan mengelompokannya menjadi dua situs. teknik pengumpulan data dilakukan dengan cara mengirimkan baahan peneltian melalui media google form, wawancara, observasi dan dokumentasi. Hasil penelitian menemukan bahwa pemanfaatan lingkungan dalam pembelajaran fiqih secara umum digunakan sesuai dengan objek yang dipelajari juga keterampilan guru dalam mengelola perencanaan pembelajaran Fiqih seperti mendesign sumber belajar yang digunakan serta perhatian yang cukup dari pimpinan dan penyelenggara Madrasah untuk menyiapkan sarana dan prasarana yang menunjang pembelajaran Fiqih di Madrasah.
Sustainable Human Resource Management Model to Enhance The Performance of Non-Profit Organizations: The Context of Zakat Institutions in Indonesia Dewi, Meutia; Rosalina, Dhian; Nasution, Yenni Samri Juliati; Marliyah, Marliyah
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 19 No 3 (2025): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v19i3.2388

Abstract

This study aims to propose a Sustainable Human Resource Management (SHRM) model for Lembaga Amil Zakat (LAZ) in Indonesia, intended to bridge the gap between zakat potential and its realization through the professionalization of amils based on Islamic values and Sharia governance. Drawing upon a systematic literature review (2018–2025), the study synthesizes the indicators, drivers, barriers, and benefits of SHRM. The model emphasizes the reciprocal fit between strategy and HR practices, the integration of economic, social, and environmental sustainability dimensions, and several key enablers: Sharia governance, Islamic work ethics, digital HRM, national HR certification (SKKNI), and Unit Pengumpul Zakat (UPZ) networks. Core practices include mission-based recruitment, key performance indicators (KPIs) that integrate financial performance, social impact, and sharia compliance, certified training programs, proportional and transparent compensation, and structured volunteer management. The phased implementation is designed to enhance competencies, service quality, digital efficiency, and accountability, ultimately leading to increased collection growth, improved distribution accuracy, enhanced HR retention, and increased public trust. 
Co-Authors A. Rasyid, Sofya Abd.Majid, M.Shabri Abduh, Arridho Abdul Majid, Shabri Abdul Muis Afrizal Afrizal Afrizal Afrizal Agisty Fiannisa Agustin, Lismaini Agustina, Surya Ahmad Fadli Ahmad Syakir Ahmadi Bi Rahmani, Nur Aini, Ihdi Alfi Amalia Alfi, Laila Alfian, Ian Amin, Haris Al Amiruddin Amiruddin Amsari, Syahrul Andi Putri, Fahresya Nuradinda Andrean, Piter Andri Soemitra Aqilah, Rakha Aqwa Naser Daulay Arianja, Haidir Arifah, Iif Arifin Arifin Arnida Wahyuni Lubis Asriadi, Ari Aswinanta, Asrul Aulia, Lina Ayu Kartika Sari Ayunda, Antin Azahar Siregar, Rahmat Azhari Akmal Tarigan Baehaqi Batubara, Maryam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi br Rangkuti, Putri Apriyani Bunga Dwi Fani Ritonga Cania, Ema Saswita Caniago, Putri Ranggaini Chairani, Zizah Daulay, Muthia Aulia Azhari Dharma, Budi Dhian Rosalina, Dhian Dua, Patta Edi Marjan Nasution Erwin SP, M. Fachrina, Rifka Fajarillah Sitohang, Sahala Falahuddin, Falahuddin Fatimah zahrah Harahap Fattonah, Rindang Dwi Fauzan , M. Fauzi, Muhammad Firdaus, Rayyan Fitrah, Habib Fitri, Mulyana Fitri, Syahruna Fuadi Fuadi Gaja, Enita Indramayani Gea, Dalmaisyah hafiz, Achmad Al-Hafiz Lubis Halimatussakdiyah Halimatussakdiyah, Halimatussakdiyah Hamdun, Nizar Hani, Zulfa Harahap, Arman Syafii Harahap, Aswan Nawawi Harahap, Rahmat Daim Haris Al Amin Hasanah, Annisa Javalia Hasibuan, Muhammad Rizal Hilman Fauzi, Hilman Hutagalung , M. Wandisyah R. Ikhsan Harahap, Muhammad Irma Suryani Lubis Irwansyah Putra Marpaung Ismail Ismail Ismail Isnaini Harahap Jarwati, Nega Juhji, Juhji Julfan Saputra Juliana Nasution Kamilah K Kaswinata, Kaswinata Kesuma, Suci Andini Khairunisah, Khairunisah Khairunnisa, Ira Amalia Khinaya, Mutiara Kresna Riady, Dwi Kurnia, Ahmad Laseari, Indah Lubis, Farah Fadhila Lubis, Rafika Amalia Lubis, Rizky Aulia Luh Putu Ratna Sundari M. Ridwan M. Shabri Abd. Majid Manurung, Sakinah Halim Marlya Fatira AK Maulia Pratidina MayaPutra, Muhammad Umar Mega Fatimah Rosana Meutia Dewi, Meutia Mohoridju, Sufian Muhammad Agung Muhammad Arif Muhammad Ikhsan Harahap Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Muhammedi, Ssonko Munifan, Munifan Munthe, Yuli Noviah Muslim, Rany Nadia Nadia Nasrun, Muhammad Syaifuddin Nasution, Adanan Murroh Nasution, Hamidah Fadly Nasution, Juliana Nasution, Junita Muharani Nasution, Muhammad Irwan Padli Nasution, Nurdin Nasution, Rizka Nasution, Rizki Aulia Putri Mujur Nasution, Zena Aini Natzmi, Alvi Nazli, Putri Neila Susanti Nofinawati Nofinawati Nst, M. Ziqhri Anhar Nur Fadhilah Ahmad Hasibuan Nurbaiti , Nurbaiti Nurganti, Nurganti Nurlaili Nurlaili Nurlita, Okky Budi Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Pratama, Muhammad Rifky Puspita, Rini Putri, Rafika Chudriana Rafli, Mhd Rahmat Daim Harahap Rahmawati, Widya Ayu Rahmi Syahriza, Rahmi Raihanah Daulay Ratni, Ratni Ridho Erianto Rifaldi Dwi Syahputra Rita Handayani, Rita Ritonga, Hanny Rahmadani Ritonga, Vera Ayu Ningsih Romadhoni, Fajri Rosalina Simbolon, Linda Royhan Alihasim Hutapea Ruchiyani, Yolanda Sabri Abd. Majid, M. Sabrina, Zafira Sagala, Syarah Asda Pratiwi Sahri, Riadil Jannah Salsabilla, Salsabilla Saparuddin Siregar Saprinal Manurung Shabri Abd. Majid, M Shifa, Mutiara Silalahi, Purnama Ramadani Simahatie, Mai Sintyani P, Amalia Siregar, Haposan Matua Siregar, Lanina Siregar, Zulhazzi Siti Aisyah Siti Hansyah Dewi Zai Sri Jumiati, Sri Sri Sudiarti Sri Wahyuni Suci Indah Sari Sudarmansyah, Sudarmansyah Sugianto Sugianto Suhailah, Suhailah Susanti, Widya Syahfitri, Rina Syahida, Tiara Nurul Syahputra, Angga Syahraini, Syahraini Syawal Harianto, Syawal Tanjung, Selvira Wardani Tiara Fitriani Fadilah Tri Inda Fadhila Rahma Tuti Anggraini Virdinia, Thasya Waeno, Muhamadaree Wahyu Syarvina Waqqosh, Abi Wifka Yunita Wiwik Handayani Yanti Sirait, Frida Yenni Samri Juliati Nasution Yuannisa, Rizka Adlia Zahrowaini, Taqiya Zuhrinal M Nawawi ‘Alimah, Nur